1994 Saturn S-Series Insurance Quotes – 6 Ideas for Cheaper Rates

Want the cheapest auto insurance rates for your Saturn S-Series? Are you burned out from paying out the nose to pay your auto insurance bill each month? You are in the same boat as the majority of other people. Big-name insurance companies like State Farm, Progressive and Geico continually hit you with ads and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

Consumers should take time to get comparison quotes every six months because auto insurance prices tend to go up over time. Just because you found the lowest quotes for S-Series insurance two years ago you may be paying too much now. There are lots of tips to save on auto insurance online, but I’m going to show you the easiest ways to find affordable auto insurance.

If you are insured now or are looking for a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn how to compare price quotes over the internet.

How to lower your car insurance cost

Getting more affordable 1994 Saturn S-Series car insurance pricing isn’t really that difficult. You just have to take the time comparing free car insurance quotes to discover which company has affordable car insurance quotes. This can easily be done using one of these methods.

One of the fastest ways to get quotes is to use a rate comparison form (click to open form in new window). This form prevents you from having to do a different quote for each price estimate. One quote request will get you price quotes from car insurance companies with the best prices.

A more time consuming way to analyze rates requires a trip to the website for every company you want to comare and fill out a new quote form. For example, let’s say you want to see prices from Allstate, Safeco and GMAC. To get rate quotes you would need to take the time to go to each site and punch in your information repeatedly, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just try to use exactly the same coverage data for each price quote. If you compare different liability limits you can’t possibly decipher which rate is best.

Get cheaper insurance rates with discounts

Companies that sell car insurance don’t list every discount in a way that’s easy to find, so the below list has a few of the more well known as well as the least known savings tricks you should be using when you buy car insurance online.

  • Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your car insurance quote.
  • Buy New and Save – Insuring a new car can save up to 30% since newer models have better safety ratings.
  • Discounts for Multiple Vehicles – Buying coverage for primary and secondary vehicles on one policy qualifies for this discount.
  • No Claims – Drivers with accident-free driving histories pay much less in comparison with drivers with a long claim history.
  • One Accident Forgiven – Not necessarily a discount, but certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
  • Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for S-Series insurance with select insurance companies.

While discounts sound great, it’s important to understand that many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

If you would like to view insurance companies with significant discounts, follow this link.

Tailor your car insurance coverage to you

When buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out if your situation might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • Am I covered if I wreck a rental car?
  • Do I have coverage when using my vehicle for my home business?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When should my teen driver be added to my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance 101

Having a good grasp of your auto insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability insurance

This provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like funeral expenses, structural damage, repair costs for stationary objects, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Comprehensive auto insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from flooding and falling objects. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

This pays for damage to your S-Series resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as nursing services, chiropractic care, ambulance fees, prosthetic devices and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

A tidy conclusion

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

We covered a lot of information how to shop for 1994 Saturn S-Series insurance online. The key concept to understand is the more price quotes you have, the better likelihood of getting cheap car insurance. You may even discover the most savings is with a lesser-known regional company. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.

Much more information about insurance is located at these links:

Comments About 1994 Saturn S-Series Insurance

  1. Phillip Knox

    I drive uninsured.

  2. Gaylord Barrett

    In Columbus, GA, Auto-Owners had the best rates for my 1994 Saturn S-Series. Hopefully won’t need it. I don’t put full coverage on it.

  3. Ted Dyer

    I’m in the suburbs of Memphis, Tennessee. Quoted prices online for a 1994 Saturn S-Series. Ended up at about $90 savings annually. Went with Progressive. Switched homeowners coverage too. They were helpful in switching over.

  4. Kacy Espinoza

    I got quite a few price quotes for a 1994 Saturn S-Series in Fayetteville, AR. Ended up at roughly $90 every six months with AAA. Even increased coverage a bit. You can get a rate quote online. I just carry liability insurance.

  5. Emelda Kaufman

    Corporate greed I’m telling you. From a town just southwest of North Charleston, SC. Received prices from Western Auto Insurance, Auto-Owners, Liberty Mutual, and Sentry for my 1994 Saturn S-Series and I think I cut my rates about $20 each month.

  6. Les Rojas

    I drive uninsured.

  7. Tarah Key

    It all costs too much. Quoted with Allstate for my 1994 Saturn S-Series and cut my rates about $110 a year. I’m a pretty good driver though. Just liability coverage since it’s getting old.

  8. Yi Bird

    For me, 21st Century was by far the cheapest in Columbus, GA.

  9. Reyna Barnes

    1994 Saturn S-Series + Allstate = CHEAP! At least inIowa anyway.

  10. Jenell Juarez

    I think 21st Century has low rates in Kentucky. For me anyway.

  11. Alysia Nicholson

    Will GEICO cancel me for an at-fault accident?

  12. Annika Bauer

    Corporate greed I’m telling you. I live just to the east of Nashville, TN. Quoted a bunch of companies. Saved darn near $20 a month. GEICO was the cheapest for me. Full coverage costs too much.

  13. Queenie Rowe

    Cheaper not always better. I live in Las Cruces, NM. Quoted with Liberty Mutual, Amica, Nationwide, and a couple others for my S-Series and I’m now saving $12 a month. Left Erie to switch. Not sure about claim service. I don’t put full coverage on it.

  14. Sophie Ryan

    If you’re around Reno, NV try State Farm and GEICO and see which is cheaper.